MyGuarantee Plus
Lincoln Financial
4.75%
5-yr guarantee
10%
Free W/D
51
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
4.75% guaranteed for 5 years
A multi-year guaranteed annuity from Lincoln Financial that publishes 5-, 7-, and 10-year terms on a single filing, a ten-year declining surrender ladder paired with an annual free-withdrawal allowance, nursing-home, terminal-illness, and surrender waivers, and single-life or joint-life annuitization on both non-qualified and qualified money — backed by an A-grade financial-strength view from three rating agencies and available in 51 US jurisdictions (48 states plus DC, Guam, and Puerto Rico, excluding California and New York).
Best fit
Buyers outside California and New York who want a single declared rate locked in for a fixed multi-year window, value the flexibility to pick a 5-, 7-, or 10-year term on the same filing, want an annual free-withdrawal allowance and contractual nursing-home, terminal-illness, and surrender waivers alongside the schedule, want single-life or joint-life annuitization at maturity on either IRA money or after-tax money, and want the strongest financial-strength signal a MYGA can carry — an A-grade view from three separate rating agencies on a top-tier US carrier with publication into Guam and Puerto Rico as well as 48 states plus DC.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
51 jurisdictions (excl. California, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Three guarantee periods on a single filing — 5, 7, and 10 years — so a buyer can match the rate-lock to their planning horizon rather than being forced into a one-size term. The term-rate table on the page lets a buyer see all three side by side before choosing, and the 10-year term is the longest fixed-rate horizon Lincoln Financial publishes in the MYGA menu.
- Multi-agency investment-grade financial-strength view from Lincoln Financial — A.M. Best, S&P, and Moody's all publish a current rating on the carrier behind this filing, with A.M. Best in the A band, S&P in the A-plus band, and Moody's in the A2 band. Most MYGA filings on the market show one or at most two agency views; a three-agency corroboration at the A-grade level is the strongest financial-strength signal a MYGA buyer can get.
- Available in 51 US jurisdictions on the live filing — 48 states plus the District of Columbia plus Guam and Puerto Rico — one of the broader MYGA footprints in the market and broader than Lincoln Financial's own sibling Lincoln Select filing, which does not publish into the territories. The two excluded states are California and New York; every other US jurisdiction is in scope.
- Annual free-withdrawal allowance paired with contractual nursing-home and terminal-illness waivers and a documented surrender-waiver provision, and the contract accepts both non-qualified and qualified funds with single-life and joint-life annuitization at maturity — so the contract works for IRA money and after-tax money alike, couples planning a joint-life payout are inside the payout-options envelope, and a buyer who hits a qualifying health event or needs partial liquidity has named exits that do not require surrendering the full contract.
What to confirm
- This filing is not available in California or New York — the carrier publishes MYGuarantee Plus in 49 of the 50 US states plus DC, Guam, and Puerto Rico. Buyers in those two states cannot purchase this product regardless of how the headline rate compares; confirm jurisdiction before treating this contract as an option.
- Ten-year declining surrender ladder — the schedule runs the full length of the longest published term on the filing. The early years sit at the top of the schedule and an unplanned exit beyond the annual free-withdrawal allowance in the front years carries a real cost. This is a long multi-year commitment, not a short-term cash equivalent.
- Lincoln Financial publishes a separate MYGuarantee Plus Class filing alongside this one with a shorter surrender ladder and a different term menu (no 10-year option). The two are distinct chassis on the same product family rather than state-segmented siblings — both filings are available in the same 51 jurisdictions — so a buyer who does not need the 10-year rate-lock should compare the Class chassis side-by-side before choosing this one.
- The death benefit is a standard contract-value death benefit — beneficiary value depends on contract terms, withdrawals, and rider elections rather than a guaranteed roll-up or step-up, there is no premium bonus on this filing, and there is no guaranteed-lifetime-withdrawal rider. This contract is built for rate certainty over a fixed multi-year window, not for legacy enhancement, an upfront bonus, or guaranteed lifetime income.
Not ideal for
Buyers in California or New York (this filing is not available there), buyers who need a shorter-than-5-year fixed-rate horizon, buyers who want the shorter Class-chassis surrender ladder Lincoln Financial publishes on its sibling MYGuarantee Plus Class filing, or buyers who want a premium bonus, a guaranteed-lifetime-withdrawal rider, market-linked upside through index crediting, or a death benefit with a guaranteed roll-up or step-up — a fixed-rate deferred contract from Lincoln Financial is not built for any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 4.75% |
| 7-Year | 4.8% |
| 10-Year | 4.95% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
Yr 8
1%
Yr 9
1%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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